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Home Loan Calculators
Explore free calculators for mortgage repayments, affordability, refinancing, borrowing power, home equity and other home-buying decisions.
Extra Mortgage Payments Calculator →
Which home loan calculator should I use?
Choose the calculator that matches the decision you’re making. Each tool provides a quick estimate using the information you enter.
Estimate monthly repayments and total interest for a home loan.
House Affordability Calculator
Estimate a suitable home-price range using your income, expenses and deposit.
Work out how much deposit you may need and how long it could take to reach your goal.
Down Payment Calculator
See how additional repayments could shorten your loan term and reduce the interest you pay.
Mortgage Refinance Calculator
Estimate how much you may be able to borrow based on your income, expenses and existing debts.
Compare your current mortgage with a new loan and whether refinancing could reduce your repayments or interest.
Extra Mortgage Payments Calculator
Stamp Duty Calculator Australia
Compare the estimated financial costs of renting a home with buying one.
Rent vs Buy Calculator
Estimate the stamp duty you may pay when purchasing property in Australia.
Home Equity Calculator
See how your home-loan repayments are divided between principal and interest over time.
Loan Amortization Calculator
Estimate how much equity you may have based on your home’s value and remaining mortgage balance.
Borrowing Power Calculator
How to use our home loan calculators
Adjust the numbers to understand how different rates, deposits and repayments could affect the result.
Results are estimates for general educational purposes only and are not personal financial or lending advice.
See possible repayments, borrowing costs or other results based on your figures.
Add the loan amount, interest rate, loan term and any other requested information.
Enter your details
Review your estimate
Compare your options
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Frequently Asked Questions
Which home loan calculator should I use first?
If you are beginning to plan, start with the House Affordability Calculator or Borrowing Power Calculator. If you already know your estimated loan amount, use the Mortgage Calculator to estimate repayments and total interest.
Do these calculators include fees and other home-buying costs?
Not always. Depending on the calculator, results may not include stamp duty, lender fees, mortgage insurance, legal costs, property inspections, council rates or ongoing property expenses. Check the information shown with each result.
Are the calculator results exact?
No. Results are estimates based on the information you enter and the assumptions used by each calculator. Actual loan amounts, interest rates, repayments and fees may differ between lenders.
Can I use these home loan calculators outside Australia?
Most calculators can provide general estimates using different currencies because the calculations do not depend on a currency symbol. However, the Stamp Duty Calculator Australia is specifically designed for Australian property purchases, and lending rules, taxes and fees vary by country.
What information do I need to calculate mortgage repayments?
You will generally need the loan amount, interest rate, loan term and repayment frequency. Some calculators may also ask for your deposit, income, expenses or existing debts.
Is this financial or lending advice?
No. ClearEveryday calculators provide general information and estimates for educational purposes only. They do not consider your complete financial circumstances and are not personal financial, tax, legal or lending advice.
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“For informational purposes only — not financial advice.”